Set of contractual clauses previously prepared and presented by the insurer. They include the basic aspects of the insurance contract that are typical for risks with similar characteristics. They define, for example, general coverages and exclusions and the rights and duties of the parties.
Set of clauses that complement or specify the general conditions. The special conditions (usually additional coverages), which are actually contracted, are identified in the specific conditions.
Set of clauses that adapt the contract to the specific situation of a policyholder. They identify, in particular, the coverages contained in the special conditions that were chosen, the values of the insured capital that were agreed, the deductibles that the parties established, the beneficiaries, the relevant characteristics of the person or insurance plan, and the effective date of the contract.
Source: ASF - Supervisory Authority of Insurance and Pension Funds.